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Credit Union Resources

The top priority for credit unions in this Congress is passage of the deceptively-named Small Business Lending Enhancement Act (H.R. 1418/S.2231) which would more than double the statutory member business lending cap for credit unions from 12.25% to 27.5% of total assets. Long subsidized by taxpayers due to their tax exemption, the credit unions' continued pursuit of expanded business lending powers calls into question the industry's commitment to serving the needs of its primary constituencies: individuals of modest means and those with a common or geographical bond. The Small Business Lending Enhancement Act would create unnecessary risk in the financial system, exacerbate the competitive advantage credit unions enjoy over community banks, and widen budget deficits at the federal, state and local levels. ICBA strongly opposes it.

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Credit Union Commercial Lending Study

See why new MBL legislation is unnecessary and would likely harm the economy

Credit unions are pushing for controversial legislation to expand their ability to make Member Business Loans (MBL). This new study breaks down the data used by credit union advocates in support of these efforts, separating fact from fiction, and also examines the broader negative consequences that granting this authority would have on the economy and stability of the credit union industry as a whole.

Download the Credit Union Commercial Lending Study pdf

Download the full 20 page study

Download the Executive Summary pdf

Download the Executive Summary

Credit Union Member Business Lending Opposition Resources:


Brian R. Anderson
Director of Grassroots Outreach
Independent Community Bankers
of America
1615 L St, NW
Washington, DC 20036
Phone: (800) 422-8439
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